Ford Bronco Insurance Cost – 2022 Rates + Comparisons

How much does 2022 Ford Bronco insurance cost? We compared rates from the base Sport model up to the Raptor trim level to see how prices compared to the competition.

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  • Ford Bronco insurance costs an average of $1,532 per year ($128 per month) for a full coverage policy.
  • The Bronco is one of the more expensive small SUVs to insure, costing $106 more per year on average when compared to the rest of the vehicles in the segment.
  • The cheapest Ford Bronco insurance is on the Bronco Sport model at an average cost of $1,252 per year.
  • The most expensive trim to insure is the Bronco Raptor at $1,858 per year.

How much does Ford Bronco insurance cost?

Ford Bronco insurance costs an average of $1,532 a year for a full coverage policy. Depending on the trim level being insured, monthly car insurance cost for a 2022 Ford Bronco ranges from $104 to $155.

When splitting out the cost of individual coverages, collision coverage costs approximately $674 a year, comprehensive (or other-than-collision) coverage will cost around $366, and the remaining liability and medical coverage is around $492.

The chart below shows average 2022 Ford Bronco insurance cost when rated for different driver ages and risk profiles.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2022 model year Ford Bronco with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Ford Bronco trim levels.Data last updated on November 17, 2022
Ford Bronco Insurance Cost Summary
Ford Bronco Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$3,478$290
Safe Driver Age 20$3,046$254
At-fault Accidents Age 40$2,164$180
Low Deductibles Age 40$1,990$166
Safe Driver Age 30$1,612$134
Safe Driver Age 40$1,532$128
Safe Driver Age 50$1,396$116
Safe Driver Age 60$1,370$114
High Deductibles Age 40$1,296$108
Discount Rate Age 40$1,274$106

In the chart above rates range from a discount rate for a 40-year-old driver of $1,274 to the high-risk average rate for a 30-year-old driver of $3,478 per year.

Not shown in the chart are car insurance rates for teenage drivers.  A 16-year-old male driver with a clean driving record would pay around $5,506 while a 16-year-old female would pay about $4,850. At age 17, males would pay around $5,146 and females $4,574.

A few additional key data insights regarding Bronco car insurance cost include:

  • Improve your credit to save money. In states that give the green light for a driver’s credit score to be used as a pricing factor, having a high credit score of 800+ could get savings of $241 per year versus a credit score ranging from 670-739. Conversely, a subpar credit score could cost up to $279 more per year.
  • Age and gender affect car insurance rates. For a 2022 Ford Bronco, a 20-year-old male pays an average rate of $3,046 per year, while a 20-year-old female will pay $2,262, a difference of $784 per year in the women’s favor by a large margin. But by age 50, the cost for men is $1,396 and the rate for females is $1,368, a difference of only $28.
  • Be a careful driver and save. Too frequent at-fault accidents can raise rates, potentially by an additional $710 per year for a 30-year-old driver and as much as $496 per year for a 50-year-old driver.
  • Increasing deductibles lowers insurance cost. Raising the comprehensive and collision deductibles from $500 to $1,000 could save around $236 per year for a 40-year-old driver and $460 per year for a 20-year-old driver.
  • Low physical damage deductibles increase policy cost. Lowering your physical damage coverage deductibles from $500 to $250 could cost an additional $246 per year for a 40-year-old driver and $488 per year for a 20-year-old driver.
  • Ford Bronco insurance rates for teens are expensive. Average rates for full coverage 2021 Ford Bronco insurance cost $5,506 per year for a 16-year-old driver, $5,146 per year for a 17-year-old driver, and $4,802 per year for a 18-year-old driver.
  • Your choice of occupation could lower your rates. Some car insurance companies offer policy discounts for earning a living in occupations like farmers, members of the military, police officers and law enforcement, high school and elementary teachers, firefighters, engineers, and other occupations. By working in a profession that qualifies for this discount, you could potentially save between $46 and $159 on your car insurance premium, depending on the age of the driver.

Is a Bronco cheap to insure?

Insurance on a 2022 Ford Bronco ranks #38 out of 46 comparison vehicles for overall affordability. The Bronco costs an average of $1,532 per year to insure, while the category average cost is $1,426 annually, a difference of $106 per year.

When rates for the most popular models in the segment are compared, insurance for a Ford Bronco costs $92 more per year than the Toyota RAV4, $196 more than the Honda CR-V, $108 more than the Chevrolet Equinox, and $214 less than the Jeep Wrangler.

When average Ford Bronco insurance rates are compared to all vehicles (not just small SUVs), they cost 2.2% less than the national average car insurance rate of $1,567 per year.

The comparison chart below shows how well average Ford Bronco car insurance rates compare to other small SUVs, including the Jeep Wrangler, for the 2022 model year.

Insurance Cost Comparison: Ford Bronco vs Small SUVs
Rank Make/Model Insurance Cost Difference
1Mazda CX-5$1,158-$374
2Nissan Kicks$1,190-$342
3Chevrolet Trailblazer$1,196-$336
4Subaru Crosstrek$1,224-$308
5Toyota C-HR$1,254-$278
6Buick Encore$1,260-$272
7Nissan Rogue Sport$1,272-$260
8Hyundai Venue$1,294-$238
9Buick Envision$1,298-$234
10Kia Seltos$1,300-$232
11Toyota Corolla Cross$1,310-$222
12Hyundai Kona$1,318-$214
13Subaru Forester$1,320-$212
14Volkswagen Tiguan$1,324-$208
15Honda CR-V$1,336-$196
16Mazda CX-30$1,350-$182
17Honda HR-V$1,370-$162
18Ford Ecosport$1,380-$152
19Chevrolet Trax$1,398-$134
20GMC Terrain$1,404-$128
21Mitsubishi Eclipse Cross$1,408-$124
22Hyundai Tucson$1,416-$116
23Chevrolet Bolt$1,420-$112
24Chevrolet Equinox$1,424-$108
25Volkswagen Taos$1,428-$104
26Fiat 500X$1,434-$98
27Toyota RAV4$1,440-$92
28Kia Soul$1,442-$90
29Mazda MX-30$1,472-$60
30Jeep Compass$1,478-$54
31Kia Niro$1,480-$52
32Nissan Rogue$1,492-$40
33Ford Escape$1,498-$34
34Hyundai Ioniq 5$1,514-$18
35Mini Cooper Clubman$1,516-$16
36Jeep Renegade$1,518-$14
37Kia Sportage$1,524-$8
38Ford Bronco$1,532--
39Volkswagen ID4$1,554$22
40Mini Cooper$1,564$32
41Mini Cooper Countryman$1,582$50
42Mitsubishi Outlander$1,640$108
43Mitsubishi Mirage$1,658$126
44Ford Mustang Mach-E$1,726$194
45Hyundai Nexo$1,744$212
46Jeep Wrangler$1,746$214

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on November 17, 2022
Insurance Cost Comparison: Ford Bronco vs Small SUVs

What is the cheapest Ford Bronco insurance?

With Ford Bronco insurance rates ranging from $1,252 to $1,858 per year on average, the cheapest model to insure is the Sport. The next cheapest model to insure is the Sport Big Bend at $1,260 per year. Anticipate paying a minimum of $104 per month for Bronco insurance.

The highest cost trim levels of Ford Bronco to insure are the Raptor at $1,858 and the Everglades at $1,702 per year. Those models will cost an extra $606 and $450 per year, respectively, over the cheapest Sport model.

The model comparison chart below shows average annual and semi-annual car insurance rates for each trim level available for the 2022 Ford Bronco.

2022 Ford Bronco Insurance Cost by Trim Level
Ford Bronco Trim Level Annual Policy 6-month Policy Per Month
Sport$1,252$626$104
Sport Big Bend$1,260$630$105
Sport Outer Banks$1,346$673$112
Sport Badlands$1,360$680$113
Base$1,452$726$121
Big Bend$1,562$781$130
Black Diamond$1,608$804$134
Outer Banks$1,640$820$137
Badlands$1,654$827$138
Wildtrak$1,688$844$141
Everglades$1,702$851$142
Raptor$1,858$929$155

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Ford Bronco, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on November 17, 2022
Ford Bronco Insurance Cost by Trim Level

It’s worth noting that since the Bronco is brand new, it doesn’t have any claim or loss history data. In a few years, as this data becomes available, rates may settle a bit depending on the severity and frequency of claims.

Average cost to insure a Ford Bronco in your state

Where you live is one of the largest factors that determines how much you’ll pay to insure your Bronco. Rates can vary significantly, even down to a zip code level, due to things like historical weather-related claims (hail and floods), crime (vehicle theft and vandalism), and even just the amount of traffic congestion on your daily commute.

The table below shows the average cost to insure a Ford Bronco in all 50 U.S. states. Click any state name to view additional rates and information.

Ford Bronco Insurance Cost by U.S. State
U.S. State Annual Cost 6-month Cost Monthly Cost
Alabama$1,244$622$104
Alaska$1,342$671$112
Arizona$1,360$680$113
Arkansas$1,636$818$136
California$1,752$876$146
Colorado$1,634$817$136
Connecticut$1,484$742$124
Delaware$1,556$778$130
Florida$2,240$1,120$187
Georgia$1,480$740$123
Hawaii$1,038$519$87
Idaho$1,210$605$101
Illinois$1,236$618$103
Indiana$1,144$572$95
Iowa$1,106$553$92
Kansas$1,538$769$128
Kentucky$1,778$889$148
Louisiana$2,218$1,109$185
Maine$1,060$530$88
Maryland$1,380$690$115
Massachusetts$1,252$626$104
Michigan$2,438$1,219$203
Minnesota$1,344$672$112
Mississippi$1,448$724$121
Missouri$1,626$813$136
Montana$1,492$746$124
Nebraska$1,462$731$122
Nevada$1,680$840$140
New Hampshire$924$462$77
New Jersey$1,448$724$121
New Mexico$1,226$613$102
New York$1,628$814$136
North Carolina$970$485$81
North Dakota$1,274$637$106
Ohio$892$446$74
Oklahoma$1,486$743$124
Oregon$1,282$641$107
Pennsylvania$1,288$644$107
Rhode Island$1,804$902$150
South Carolina$1,412$706$118
South Dakota$1,386$693$116
Tennessee$1,210$605$101
Texas$1,442$721$120
Utah$1,264$632$105
Vermont$1,016$508$85
Virginia$986$493$82
Washington$1,162$581$97
West Virginia$1,376$688$115
Wisconsin$1,038$519$87
Wyoming$1,406$703$117

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Ford Bronco, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Ford Bronco trim levels. Physical damage deductibles are $500 and rates are averaged for all zip codes in each state.Data last updated on November 17, 2022
Ford Bronco average insurance cost by U.S. state

When viewing average rates, keep in mind that actual costs can be higher or lower, depending on things like your age, your driving record, prior claim history, and possibly your credit rating.

Cost can be very different not only within any individual state, but also within any city. We recommend getting a few free Ford Bronco insurance quotes using your zip code in order to narrow down your individual rate, and ensure you’re getting the best rates.